Secured debt usually has . longer loan terms

collateral

lower interest rates

all of the above

I personally don’t get this subject, but I do remember seeing a quote that actually says the answer, that quote is:

“Secured debt generally has a lower interest rate, because the lender has a source of collateral if you don't make your payments,” says Brown.

Hope this helps, and it’s actually pretty convenient that I saw this today

180-90=3x
90=3x
X=30

90+x+y=180
90+30+y=180
120+y=180
Y=60